8 Tips for Choosing Insurance

So that we do not choose the wrong Islamic insurance, here are some tips that we need to consider:

1. Knowing the needs of

holder or purchaser of insurance companies have to find out what insurance a necessity. Needs may include life insurance, health insurance, accident insurance, education insurance or insurance that also functions for investment (unitlink). If you are in doubt, ask the opinion of relatives, colleagues, or insurance sales agent who you trust.

2. Choosing an insurance management company sharia

know how long the insurance company has been running the Islamic insurance business. The longer a company engaged in the business she lived, of course, could describe how the condition of the company. In addition, how the experience of the company in payment of claims to their customers, what ever the company is negligent in terms of claim payments to its customers.

3. Sharia supervisory board (dps)

all Islamic financial institutions including Islamic insurance has a sharia supervisory board (dps). Dps consists of people who understand the Islamic economy. The existence of dps will ensure that all insurance products are managed in ways that are permitted by sharia.

4. Clarity of insurance contract

contents of the agreement plays an important role regarding the status of insurance policy premiums. Bila akadnya Islamic insurance, does not have the term "fund sunk" for life insurance, so if the customer karena hal does not extend preminya something, then it should dana premiums already paid previously is still there, although there is not 100% anymore. This is because the funds paid customers have been reduced administrative costs while taking care of the insurance policy.

5. Learn illustration given

insurance illustrations depict estimate of how much funding will be obtained by prospective customers for the end of the period of the agreement. If illustrations are given very unnatural, such as providing benefits (profit sharing) is very far above the results of Islamic banking in general, we do not immediately tempted, but we have to react wisely. Notice the assumptions contained in the illustration sheet.



Http: / / www.asuransisyariah.net

Need Insurance For Computer Purchase

TEMPO Interactive, Jakarta:
Association of Indonesian Internet Service Provider (APJII) proposed that the government pension funds and insurance encourages workers to provide insurance coverage for the purchase of computers. This effort is essential to increase the penetration of Indonesian society for computer literacy and information technology.

Chairman APJII, Sylvia W. Sumarlin, said insurance such as Social Security can withdraw funds after membership members' purchases of computers for five years. This method has been implemented in Malaysia since last ten years. The Malaysian government requires each insurance company providing coverage of computer ownership of a lifetime.

"As a result, Malaysia has now become one of the countries leading the development of information technology in the world," said Sylvia. Currently, computer penetration in Indonesia only reached six million units with growth of 25 percent from more than 220 million Indonesian population. Development of Internet networks will not be useful if the population in most parts of Indonesia does not have a computer.

Eko Nopiansyah